Capital One Spark 2% Cash vs Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card earns more in 9 of the 10 categories we track. Both cost $95 a year.
The basics
| Detail | Capital One Spark 2% Cash | Ink Business Preferred® Credit Card |
|---|---|---|
| Annual fee | $95 | $95 |
| Card type | Business | Business |
| Rewards | Cash Back | Chase Ultimate Rewards |
| Each point is worth | 1.00¢ | 1.70¢ |
| Everywhere else | 2x | 1x |
| Welcome bonus | $1,000 cash bonus after $10,000 in 3 months | 100,000 Chase Ultimate Rewards after $8,000 in 90 days |
What each earns
| Category | Capital One Spark 2% Cash | Ink Business Preferred® Credit Card |
|---|---|---|
| Shipping | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Online Advertising | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Internet & Cable | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Phone & Wireless | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Travel | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Airfare | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Car Rentals | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Card Travel Portals | 5.0% 5x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Hotels & Lodging | 2.0% 2x | 5.1% (higher) 3x, capped spending, up to $150,000 |
| Everything else | 2.0% (higher) 2x | 1.7% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
Ask the advisor